There are many pitfalls in credit counseling, and it is more than probable that some of the emails you receive and television ads you see promising to fix your credit and solve all your problems with creditors are actually seeking to swindle you. 

It is a good idea to check out credit counselors through a national organization such as National Foundation for Credit Counseling, the NFCC, which can be found online at www.nfcc.org

Another organization that provides accreditation for credit counselors is the Association of Independent Consumer Credit Counseling Agencies, the AICCCA, which can be found online at www.aiccca.org.